Social Insecurity

By all accounts, social security is insolvent — with a conservative estimate of the current shortfall coming in at around $44 trillion... an unimaginably large number that promises to only grow as Congress delays tackling the issue. Worst-case scenarios have the number closer to $70 trillion.

The sad part is that a program that was meant to help the poorest of the poor (and then only those that lived past 65, which at the time was later than most lived), has now become an "entitlement" program so bloated that it will fail to even meet its earlier promise for the rising generation.

Congress, of course, is nowhere to be seen... but when Congress finally does step-up, experts agree that cuts to the program are in the cards — either through delaying eligibility, cutting pay-outs, or (most likely) both.